Mr. Mario Draghi:

Increase competition between banks. My understanding is that here SMEs have a hard time getting credit because of the presence of a monopoly or quasi-monopoly. There are probably other parameters like the default history of the economy and probability of default, which leads to increasing difficulty in giving credit to small and medium enterprises. This will wash out with the recovery, as the probability of default will go down and the amount of credit being offered should naturally increase. The big limitation here is the presence of a monopoly, which should be dealt with. There is a natural way of doing this, which is to wait, but that is slow, so if the Government can take action to reduce the degree of monopoly, it would be welcome.